Situations Travel Insurance Doesn’t Cover

If you’re investing in a trip, one of the most important things you can also invest in is a travel insurance policy. It is important that you keep yourself protected and understand that things can, and do in fact happen while traveling. Travel insurance policies have fine print that many people do not take the time to read. It is just as important to understand what types of things travel insurance policies do not cover as what they do. While travel insurance provides reimbursement for a broad range of situations, it cannot cover everything. Make sure you consider the following before your travels, as well as before you decide to file a claim.


If you’re on a tropical vacation and it rains for a week straight, that does not count towards trip cancellation or interruption. Although you may feel that the trip has been ruined, the only way bad weather will be accepted as a claim is if it prevents you from reaching your destination or causes an emergency.

Alcohol accident:

While insurance policies cover a number or physical accidents that could happen while traveling, it is important to understand that any claims made dealing with accidents that occurred under the influence of any alcohol or drugs will not be valid or reimbursed.

Change of heart:

Say you planned a trip months ago and you suddenly change your mind and do not want to go, a travel insurance policy will not provide you with any money back. The only way you will be reimbursed for changed plans is if you invested in a policy that includes Cancel for any Reason.

Baggage delayed less than 12 hours:

It is important to remember that travel insurance policies will only reimburse you for necessary personal effects if your bags are delayed more than 12 hours. Anything less than 12 hours will not result in a valid claim, so make sure to pack bare essentials in your carry on in case your baggage happens to be delayed for a few hours.

Psychological accidents:                                                      

One of the main reasons people purchase travel insurance is to protect themselves from outrageous medical bills if they were to experience an accident, however, it is important to understand that insurance policies will not cover any expenses due to problems resulting from psychological illnesses.

Death of a pet:

If the death or sickness of a pet alters your travel plans in any way, travel insurance will not be able to reimburse you for any added expenses. While pet care is often included in policies, that will only cover costs for extra boarding time if you cannot make it home when expected.

It is always important to understand the details of your travel insurance policy before you embark on your journey!


  1. Interesting article. It is quite unfortunate that over the last years, the travel industry has had to take on terrorism, SARS, tsunamis, bird flu, swine flu, and also the first ever true global downturn. Through all of it the industry has proven to be robust, resilient in addition to dynamic, acquiring new methods to deal with misfortune. There are constantly fresh issues and chance to which the industry must again adapt and react.

    • I don’t know what type of insurance options you have in your area but out here in Canada we have BCAA (British Columbia Automobile Association) and they also offer medical insurance for trips. You might want to look into something like that from your area. Some travel agencies might offer a decent plan as well. Just make sure you ask them specifically if you will be covered in BC. BCAA is who I go to when I travel to the US because the US doesn’t accept our policies. I hope you have a great trip. I just got back from Whistler today and we had some great boarding, it snowed the whole time but visibility was great.

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